Business Loan EMI Calculator (Oct 2026)
Estimate the monthly EMI on a business loan and compare how much working capital you can borrow against your cash flow.
Reducing-balance method, monthly compounding. Rate shown is indicative: confirm the live rate with your lender.
Lenders price on your profile. See offers in about 2 minutes with no effect on your credit score.
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*Monthly take-home needed if EMI is capped at 50% of income.
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| Year 1 | ₹2,85,054 | ₹1,30,930 | ₹7,14,946 |
| Year 2 | ₹3,30,878 | ₹85,106 | ₹3,84,068 |
| Year 3 | ₹3,84,068 | ₹31,916 | ₹0 |
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About business loan EMIs
Business loans for small and medium enterprises are priced on turnover, vintage and credit history. Rates run from the low teens for strong, established businesses to 20% or more for newer ones.
The right test is whether the loan's EMI fits your monthly cash flow with room to spare. Lenders look at that too, and many ask for bank statements and GST returns.
EMI on a ₹10 lakh business loan by rate and tenure
Monthly EMI in rupees. The highlighted row is the default tenure.
| Tenure | 11% | 13% | 15% | 17% | 19% |
|---|---|---|---|---|---|
| 1 year | ₹88,382 | ₹89,317 | ₹90,258 | ₹91,205 | ₹92,157 |
| 2 years | ₹46,608 | ₹47,542 | ₹48,487 | ₹49,442 | ₹50,409 |
| 3 years | ₹32,739 | ₹33,694 | ₹34,665 | ₹35,653 | ₹36,656 |
| 4 years | ₹25,846 | ₹26,827 | ₹27,831 | ₹28,855 | ₹29,900 |
| 5 years | ₹21,742 | ₹22,753 | ₹23,790 | ₹24,853 | ₹25,941 |
How to lower your business loan EMI and total interest
- Match the loan to the need: term loans for equipment, working-capital lines for day-to-day cash.
- Ask about government-backed schemes for micro and small enterprises, which can offer collateral-free limits.
- Keep the EMI under about 30% of monthly business cash flow.
- Compare processing fees, which can be 1–3%, along with the interest rate.
Business Loan EMI lookups by amount
Frequently asked questions
How is business loan EMI calculated?
Term business loans use the reducing-balance EMI formula. Overdraft and working-capital lines charge interest only on what you use.
What affects business loan interest rates?
Turnover, business vintage, credit score of the owner and the business, collateral, and the lender type.
What documents are needed?
Typically KYC, business proof, bank statements, GST returns and income tax returns. Requirements vary by lender.